System and interface for generating real-time regulatory compliance alerts using modularized and taxonomy-based classification of regulatory obligations

Abstract

A system is provided for generating real-time regulatory compliance alerts using taxonomy based classifications of regulatory obligations. The system may comprise a database storing taxonomy based classifications of regulatory obligation data comprising a plurality of categories, modules, subjects, and rules within the regulatory obligation data. The system may also comprise a plurality of processors that monitor user activity associated with the system and monitoring circuitry that receives data corresponding to the monitored user activity and identifies at least one of the plurality of categories, modules, subjects, and rules as related to the received data. The system may further comprise alert circuitry that issues a compliance alert corresponding to the identified at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data.

I claim: 
     
         1 . A system for generating real-time regulatory compliance alerts using taxonomy based classifications of regulatory obligations, the system comprising:
 a database storing taxonomy based classifications of regulatory obligation data comprising a plurality of categories, modules, subjects, and rules within the regulatory obligation data;   a plurality of processors that monitor user activity associated with the system;   monitoring circuitry that receives data corresponding to the monitored user activity and identifies at least one of the plurality of categories, modules, subjects, and rules as related to the received data; and   alert circuitry that issues a compliance alert corresponding to the identified at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data.   
     
     
         2 . The system of  claim 1 , wherein the monitored user activity associated with the system comprises a plurality of a user's email, chat messages, keystrokes, mouse clicks, or transcribed voice-conversations. 
     
     
         3 . The system of  claim 1 , wherein the plurality of processors monitor user activity using a background process running on a user's computer. 
     
     
         4 . The system of  claim 1 , wherein the monitoring circuitry identifies the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data as related to the data using a qualitative-based predictive analytics to determine when the user's employees engaging in conduct that is likely to or about to violate a regulatory obligation. 
     
     
         5 . The system of  claim 4 , wherein the qualitative-based predictive analytics comprises machine learning, deep learning, or transfer learning. 
     
     
         6 . The system of  claim 4  wherein the qualitative-based predictive analytics uses two or more models as part of an ensemble model. 
     
     
         7 . The system of  claim 1 , wherein the alert circuitry issues the compliance alert when the data corresponding to the monitored user activity indicates that a user may be at risk of violating a regulatory compliance obligation associated with the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data. 
     
     
         8 . The system of  claim 1 , wherein the alert circuitry issues the compliance alert when the data corresponding to the monitored user activity indicates that a user has violated a regulatory compliance obligation associated with the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data. 
     
     
         9 . The system of  claim 1 , wherein the compliance alert comprises an email alert, a pop-up warning, an alert on a graphical user interface, or an alert issued via an application programming interface. 
     
     
         10 . The system of  claim 1 , wherein the alert circuitry is further configured to issue an alert when the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data changes. 
     
     
         11 . The system of  claim 1 , wherein the alert circuitry is further configured to issue an alert when a new regulatory obligation is created as part of the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data. 
     
     
         12 . The system of  claim 1 , further comprising log circuitry that stores a summary of alerts issued based on the monitored user activity. 
     
     
         13 . A computer-implemented method for generating real-time regulatory compliance alerts using taxonomy based classifications of regulatory obligations, comprising:
 storing taxonomy based classifications of regulatory obligation data comprising a plurality of categories, modules, subjects, and rules within the regulatory obligation data;   monitoring, using a plurality of processors, user activity;   identifying, using the plurality of processors, at least one of the plurality of categories, modules, subjects, and rules as related to the monitored user activity; and   issuing a compliance alert corresponding to the identified at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data.   
     
     
         14 . The method of  claim 13 , wherein the monitored user activity associated comprises a plurality of a user's email, chat messages, keystrokes, mouse clicks, or transcribed voice-conversations. 
     
     
         15 . The method of  claim 13 , wherein the identifying at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data as related to the monitored user activity comprises using qualitative-based predictive analytics to determine when the user's employees engaging in conduct that is likely to or about to violate a regulatory obligation. 
     
     
         16 . The method of  claim 15 , wherein the qualitative-based predictive analytics comprises machine learning, deep learning, or transfer learning. 
     
     
         17 . The method of  claim 13 , wherein the compliance alert is issued when monitored user activity indicates that a user may be at risk of violating a regulatory compliance obligation associated with the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data. 
     
     
         18 . The method of  claim 13 , wherein the compliance alert is issued when the at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data changes. 
     
     
         19 . The method of  claim 13 , further comprising generating a log of alerts issued based on the monitored user activity. 
     
     
         20 . A system for generating real-time regulatory compliance alerts using taxonomy based classifications of regulatory obligations, the system comprising:
 a means for storing taxonomy based classifications of regulatory obligation data comprising a plurality of categories, modules, subjects, and rules within the regulatory obligation data;   a means for monitoring user activity;   a means for identifying at least one of the plurality of categories, modules, subjects, and rules as related to the monitored user activity; and   a means for issuing a compliance alert corresponding to the identified at least one of the plurality of categories, modules, subjects, and rules within the regulatory obligation data.